i just got a super predatory debt collection letter. it was for a $113 debt from citizens bank, who i had an account with when i was 16 (20 years ago). the letter appeared to be an offer to cancel the debt if i paid them $22.75. HOWEVER, the actual wording is, “The amount of the debt is $113.77 and we will accept $22.75.” so, no MENTION of canceling the debt, but the implication is there because many collectors of current debt offer to settle for a percentage.
at the bottom of the letter, it says: “Because of the age of your debt, we cannot sue you for it and we cannot report to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making payments on the debt or making a written promise to pay.”
basically… i don’t owe this money anymore, the debt is so old they can’t legally sue me for it OR put it on my credit report, BUT if i take their generous offer of paying them $22.75… they can sue me for the full amount because making a payment makes the debt current.
no thanks, jefferson capital systems llc.
always, always read the entire letter! it is so important because of semantic awfulness like this!
i haven’t seen any noise about this on tumblr yet, but a fire has completely wiped out a small town in california.
they’re calling it the camp fire. over 20,000 residents have been evacuated so far, the last area estimates i heard were over an hour ago at 18,000 acres and its still zero percent contained.
this is the smoke from about 18 miles away from the fire three hours ago. if you know anyone near chico, paradise, oroville or durham california you might want to check they’re okay
UPDATE: 4PM FRI NOV. 9, 2018
the fire has completely walked over paradise, magalia, and much of the rest of butte county. it’s under 10% containment and moving towards chico, which was been mostly evacuated as well. it’s been documented as one of the top 20 deadliest fires seen in california. i know many of the people personally whose lives have been destroyed by this fire. my aunt and uncle’s home, of whom we’re very close to, was demolished last night, same goes for family friends and others who lived in paradise– which is completely gone. there are 5 confirmed deaths, several dozen missing people.
EVACUATION SITES STILL OPEN AS OF 1 HOUR AGO:
Butte County Fairgrounds (199 E Hazel St, Gridley, CA 95948)
Yuba-Sutter Fairground (442 Franklin Ave, Yuba City, CA 95991)
Glenn County Fairgrounds (221 E Yolo St, Orland, CA 95963)
Chester Memorial Hall (22 Gay Street, Chester)
HOW TO HELP/DONATE:
“Currently the best way to contribute is to make a monetary donation via the North Valley Community Foundation website.” -abc7news.com
“Supplies: Hope Center in Oroville (1950 Kitrick Ave Ste. A) is taking donations. Hours: Friday and Saturday 8 a.m. – 5 p.m., Sunday 9 a.m. – 5 p.m. Needs: warm clothes, shoes, socks, coats (primarily for elderly residents).” -abc7news.com
the majority of those affected by the fire in paradise were elderly people. and having known paradise and magalia myself for years, it’s not a wealthy part of california. these people will need help, and lots of it.
if you have any questions, you can message me personally or seek information online or from the above references personally.
if you cannot help yourself, please spread the word and reblog. so many wonderful people are going through a terrible thing and need your help.
People really making posts about Thor hating Tony when we all know Thor is literally incapable of disliking anyone smh
is he really a lesbian ally if he doesn’t hate tony stark, known misogynist
Y’all really still calling the only male character in a committed and healthy relationship a misogynist because he was a slut for the first 20 minutes of iron man 1 okay okay
tony stark literally:
made a woman the ceo of his fortune 500 company
turned to helen cho, an asian woman doctor, for help on medical and scientific advances that he didn’t understand, and explicitly said her ideas to leave his iron man suits in the dust is the plan for the future
like @one-piece-of-harry said, has been in a committed relationship with the same woman since 2010 and is about to marry her
when natasha asked for his impression, instead of physically objectifying her, analyzed her personality and said she had a quiet reserve and an old soul, didn’t say anything about her looks
called maya hansen one of the most gifted women he’s ever met after she told him about her research. when the “glitch” happened with the plant and caused the explosion, he never said anything condescending, just made suggestions on how to improve instead (before happy tackled him to the bed)
but i mean, he slept with dozens of women in his past just like any other guy playing the field so of course he’s a misogynist. totally.
Oh god not the “Tony Stark is a misogynist because he slept around” crap again. As progressive as people who like to throw around these buzzwords are, they sure do like slut-shame, right? Who cares if he had consensual sex with multiple partners?
And before anyone brings up ~prima nocta~ it was a joke – and one written by Joss “I’m a Feminist” Whedon – it was obvious Tony was bringing up something he would never do. And if people are still slamming Tony for one joke written by Whedon I better see people dragging Loki for “mewling quim” just as much (because that’s about as close Whedon could get Loki to saying “whiny cunt” with the censors).
Some of ya “Thor the feminist would hate Tonky Stork” are hypocritical as fuck cuz you like to completely forget Thor threw himself into a bloody fight because a Frost Giant called him “princess.” Characters learn and grow and become better. None of them are perfect angel babies and stop pretending they are.
Some of y’all just like to hate on Tony regardless of the canon, and it’s transparent as hell.
I will reblog this every time I see it. You can’t stop me.
112% true FACTS!! I’ve had it with these Tony anti’s….i mean COME ON!!
Not even afraid to bring up Comics yo:
1. Tony consistently trusts women over men. Not just because “women are more trustworthy” but truly trusts their expertise and advise. – Vol 3, wouldn’t listen to Scott Lang for shit but Jane Foster says the same thing and Tony 100% changes his tune – Vol 3, opened a WOMAN’S SHELTER FOR ABUSED WOMEN AND TEENS PICKED UP PROSTITUTES, PAID THEM FOR TWO HOURS SO THEY COULD TALK WITH A BLACK FEMALE THERAPIST HE PUT IN CHARGE OF SAID SHELTER AND HE FUCKING LEFT – Vol 3, felt like a CREEPER for checking out Rumiko while she was wind surfing, he didn’t even say anything he was just “Oh look at that pretty woman being all awesome” and then fucking felt like a creeper when she spotted him – Vol 1, when Carol Danvers (as a reporter) said Stark Industries didn’t have enough women he volunteered that he was piloting a program to get more women involved
2. Tony puts women in charge whenever he can – West Coast Avengers, Tony appointed Wanda. Yeah, he did some dick things but Wanda didn’t let him get away with it – Avengers Initiative, Tony appointed Carol deliberately because he not only trusted her expertise as a leader but also knew she would never let him cross a line – Continually left/leaves Pepper in charge of the company that he deems his personal legacy and responsibility for the world.
3. Tony will side with women over men. IN A GODDAMN HEARTBEAT – Avengers Disassembled, rebuttaled Stephen Strange when Strange suggested Wanda needed to be killed
4. Tony is literally the epitome of “Chivalry” like ya’ll think Steve Rogers is because he’s from the 40s??? Tony frickin’ went to all boys boarding school where they TEACH CLASSES on proper etiquette, and would ditch class to read King Arthur. And you wanna come into my house, MY HOUSE, suggesting little Tony reading King Arthur did not LOVE Guinevere???? And does not carry those idealistic morals into his adulthood??? HAVE YOU NOT SEEN HIS AESTHETIC???
5. Tony almost married someone named Indries Moomji, she used and abused him and broke his heart but guess what guys. When she did it, he came in all excited to see the woman he thought he loved and was affectionately pawing at her and she told him to stop and HE STOPPED. He LOOKED LIKE A HURT PUPPY BUT HE STOPPED. He didn’t shit talk, he didn’t play stupid ass games, he stopped and when she told him she was done with him he LEFT AND GOT DRUNK AND RHODEY HAD TO TAKE HIM TO HIS MOTHER’S HOUSE
6. Tony’s advise to Vision about women was to stop reading dumbfuck magazines and just enjoy getting to know her as a person and that the adventure in getting to know someone is the FUN PART
7. Tony Stark is a helpless hopeless romantic who has been abused as a child from his father, had a mother that defended him which left him believing in the power and trust of women. Has had nothing but fierce women in his life both romantically and platonically that DO. NOT. PUT. UP. WITH. HIS. SHIT. But he’s been broken beyond that and so hides under sarcasm and flirtatious banter to move through a society that requires it’s top echelon males to act a certain way, and yet STILL is a leader both professionally and personally in the proper way to treat HUMAN BEINGS IN GENERAL but ESPECIALLY WOMEN and not just white women either. Black women, Asian Women, Middle Eastern Women. Women from all backgrounds and all colors.
8. The best part about ALL of this, is even in canon people talk like this about Tony Stark, and you know what he does? He goes around supporting young women like RiRi, he gives Kamala hugs and reassurance, he keeps in touch with Carol to keep him grounded and support her in ways no one else understands, he keeps Natasha in touch with reality (and Natasha will CUT A BITCH over Tony Stark), and he was trying to impress an MIT research doctor with FEMALE THOR.
Tony Stark is the feminist we need but don’t deserve, you know why? Because he’s REAL. He treats women as PEOPLE, not as objects to be saved and yet at the same time he treats them as GODDESSES to be worshipped.
I could go on but it’s late and my brain isn’t working, but the point is for ever half ass joke, whether you appreciate it or not, for every bullshit “Tony slapping someone’s ass”, for every moment Tony is in a strip club or expressing that male chauvinistic side there are TENS if not HUNDREDS of times he’s done nothing but used his standing as a rich white male to be an ally to women.